This analysis ignores the secondary effects of the mere ability to shop around. Right now, for many insurance plans, consumers of care are 100% price insensiti

This analysis ignores the secondary effects of the mere ability to shop around. Right now, for many insurance plans, consumers of care are 100% price insensitive. If even, say, 5% of a market starts to take their business elsewhere out of concern for price, it starts to put more cost discipline onto the system, which encourages competition. You can't suggest a huge change and then assume the world will stay the same post-change. It won't. What the health system needs is some incentive to control cost; today, it has very few.